AUSTRALIAN MONEY, MADE CLEAR
Money tools in your language
Choose a question. Try your numbers. Understand the result.
All amounts are Australian dollars (AUD).
Grow my savings
See how your savings and interest could grow together.
Projected balance
Saving period (years): 10 · before tax and fees
- Money you put in
- AUD 70,000.00
- Interest earned
- AUD 21,268.96
How this estimate works
Assumes an unchanged rate, interest added monthly and deposits at month-end. Weekly and fortnightly savings are converted to a monthly average. No withdrawals, tax, fees or inflation. Actual bank calculations and bonus conditions can differ.
Sources & calculation methods (English)Plan home loan repayments
See what an offset balance or extra payments could change.
Regular monthly repayment
All amounts are Australian dollars (AUD).
- Including your extra payment
- AUD 3,797.30
- Interest with your plan
- AUD 487,092.00
- Interest saved
- AUD 207,937.13
- Estimated months until paid off
- 287
How this estimate works
Principal-and-interest loan with monthly repayments and an unchanged rate. The regular repayment is based on the loan without an offset. A constant 100% offset reduces the balance charged interest. Extra repayments are added each month. Excludes fees, redraw and lender-specific rules.
Sources & calculation methods (English)Reach a savings goal
Find a monthly savings amount for your target.
Save this much each month
All amounts are Australian dollars (AUD).
- Your target
- AUD 80,000.00
- Already saved
- AUD 15,000.00
How this estimate works
Assumes an unchanged rate, monthly compounding and deposits at month-end. No withdrawals, tax, fees or inflation. For a home deposit, add a separate allowance for buying costs to your target.
Sources & calculation methods (English)Build an emergency fund
Set aside money for essential bills if income stops.
Emergency fund target
All amounts are Australian dollars (AUD).
- Still to save
- AUD 8,500.00
- Months to reach your target
- 22
How this estimate works
Target equals essential monthly expenses multiplied by the months you choose. Time to reach it is rounded up to full months. Interest and inflation are excluded. The example is not a recommended buffer size.
Sources & calculation methods (English)See my take-home pay
See the estimated amount paid into your bank account.
Estimated take-home pay
Every 2 weeks
- Pay before tax
- AUD 3,269.23
- PAYG tax withheld
- AUD 682.00
- HELP withheld
- AUD 0.00
- Employer super (paid to your super fund)
- AUD 392.31
How this estimate works
2026–27 estimate for Australian tax residents with a TFN and standard Medicare treatment. Assumes ordinary earnings and 12% employer super, subject to the cap. Excludes salary sacrifice and other deductions. This is payroll withholding, not your final tax return.
Sources & calculation methods (English)These payroll rules are for 2026–27. Check the current ATO rules before using an estimate for another year.
More detail on the English calculatorThese five calculators and explanations are available in this language. Bank product terms, detailed guides and other pages are currently in English.
One idea that makes money easier
Compound interest means your interest can earn interest too.
You start with $100
Imagine a fixed 10% yearly rate. This is a teaching example, not a bank offer.
A year later: $110
The first $10 is interest on your $100.
Another year: $121
Now interest is calculated on $110: $11 more. Of that, $1 is interest earned on the earlier interest.
No new deposits, tax or fees. This example compounds yearly; the calculator above compounds monthly.
Keep exploring
Language changes the explanation, not the Australian rules or currency. Translations are prepared with AI assistance. Tell us if wording is unclear.
Report a problem with a translationWhy these languages?
We prioritise widely used community languages in Australia, using the ABS 2021 Census language-at-home results. Mandarin, Arabic, Vietnamese, Cantonese and Punjabi lead the non-English list. Written Chinese is offered in simplified and traditional forms; these are writing systems, not a one-to-one mapping to spoken languages. Spanish and Korean are additional community options. This is not a ranking of nationalities. 2026 Census results are due from June 2027.
ABS language data (2021)2026 Census release schedule